I REFER to Ms Yvette Law's letter (South China Morning Post, December 24), concerning her application premium for her CITIBANK Visa card. We have sent a written apology together with the application premium by registered mail to Ms Law and explained the circumstances under which the problem occurred.

In view of what happened, we are reviewing our internal procedure to prevent the recurrence of such incidents. We thank Ms Law for her comments which are valuable in helping us to strengthen our customer service.

Offering the best service possible to our customers has been, is, and will always be CITIBANK's commitment.